Royal London would hope that they can manage these funds to start producing bonuses but I would not hold your breath. So in theory there is a chance but in reality you do not want to be sat in With Profits funds now the market is moving forward. There maybe be merit in staying invested for any terminal bonuses that may be paid.

Thank you. I don't think they are paying a terminal bonus on 15 year endowments, which this is. However cashing it in will incur a loss.
It may have made more sense for with profit customers for it to lose it's mutual status.